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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,049 | $168,636-81.6% | $147,618-79.0% | $125,388-75.2% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -2.95% | 77.65%-80.6pp | 61.98%-64.9pp | 282.24%-285.2pp |
| Employer contribution / active EE | $978 | $6,252-84.4% | $5,565-82.4% | $4,866-79.9% |
| Participant deferral / active EE | $2,099 | $5,507-61.9% | $4,895-57.1% | $5,352-60.8% |
| Admin fee / account holder | $572 | $13,580-95.8% | $11,612-95.1% | $9,541-94.0% |